Lone Tree, IA
Lone Tree wildfire risk explained
Lone Tree sits at the 3rd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 726 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lone Tree at the 3rd percentile, close to its 3rd-percentile risk score.
Where Lone Tree's buildings actually sit
Lone Tree rates 93.9% Minimal exposure against just 6.1% Direct and 0% Indirect — of 726 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Lone Tree against the rest of the country
Lone Tree scores 3rd nationally and 4th within Iowa — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lone Tree ranks 30,736 for wildfire risk (1 is highest) and 14,382 by building count (1 is largest). Within Iowa alone, it ranks 976 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Lone Tree
Lone Tree's low wildfire rating (3rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Lone Tree's 93.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Lone Tree's figures come from
The methodology guide shows exactly how USFS turned 726 counted buildings into the percentiles shown above for Lone Tree. The exposure-zones guide covers what Lone Tree's dominant minimal exposure actually means, with real examples from across the dataset.